As 2025 unfolds, the United States reaches a historic demographic milestone—“Peak 65”. This year, a record 4.2 million Americans will turn 65, with more than 11,400 people reaching retirement age every day. This unprecedented shift marks the largest cohort of Baby Boomers entering retirement and signals a new era for financial and retirement planning.
With traditional pensions fading and retirement lifespans stretching into decades, retirees are seeking dependable income solutions. At SafeMoney.com, we believe one solution is rising to meet this challenge: annuities—especially Fixed Index Annuities (FIAs). Read More
June is Annuity Awareness Month—a time to spotlight a retirement tool that often goes overlooked but has never been more important. In today’s uncertain financial landscape, many retirees are vulnerable to risks that can quietly erode their financial security.
The good news? Annuities—when used correctly—can be a powerful solution to three of the most pressing retirement risks: longevity, market volatility, and income shortfalls.
Whether you’re approaching retirement or already there, understanding how annuities work to manage these risks could be the difference between guesswork and confidence. Read More
A Safe Harbor in a Storm: Annuities Gain Appeal in Uncertain Times
Market volatility is back in the headlines—and it’s forcing many retirees and near-retirees to confront a difficult truth: the traditional 60/40 portfolio may no longer offer the steady, reliable income they once counted on. As interest rates fluctuate, inflation lingers, and equity markets swing wildly, Americans are turning to annuities as a strategic solution to help weather the storm.
In fact, annuities are quietly becoming one of the most sought-after tools for retirement income planning in 2025. Their promise of guaranteed income, protection from market loss, and the ability to hedge longevity risk makes them especially attractive in times like these.
As reported by Barron’s, financial professionals are increasingly embracing annuities—not just for their safety features, but because they fill a growing gap in how people plan for income once the paycheck stops. Read More
An estimated $63 billion worth of annuity contracts are coming due in 2025—here’s what that means for your money and how to take advantage of current annuity rates.
If you purchased a fixed-rate annuity (also known as a MYGA – Multi-Year Guaranteed Annuity) in the past few years, your contract may be nearing the end of its guaranteed term. In 2025, over $63 billion worth of MYGA contracts are expected to mature, representing one of the largest waves of annuity turnover the industry has ever seen.
This surge creates both an opportunity and a decision point for consumers: Should you renew, roll over, or reallocate your annuity dollars?
Let’s break it down. Read More
When it comes to preparing for retirement, one question matters more than all the rest: Will my money last? For decades, annuities—especially fixed and fixed indexed annuities—have offered a reliable solution for generating predictable income without market risk. Yet somehow, annuities have become one of the most misunderstood financial products in America.
It’s time to make annuities safe again. That means restoring their reputation, educating consumers on the truth, and helping retirees understand when and how annuities fit into a secure income plan.
Quick note: While this phrase might sound familiar, this article is not political. It’s about restoring peace of mind, protecting your hard-earned savings, and creating a retirement you can count on—regardless of your personal beliefs or affiliations.
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What It Means to Make Retirement Safe Again
In a world where markets are volatile, healthcare costs are rising, and traditional pensions are vanishing, “Make Retirement Safe Again” isn’t a political slogan—it’s a financial necessity.
Quick note: While this phrase might sound familiar, this article is not political. It’s about restoring peace of mind, protecting your hard-earned savings, and creating a retirement you can count on—regardless of your personal beliefs or affiliations.
By focusing on time-tested strategies like guaranteed income and financial protection, we can help you build a retirement plan that’s based on stability, not speculation. Read More
Planning for retirement can be overwhelming. Between social security decisions, healthcare concerns, and figuring out how to generate reliable income, it’s no wonder many Americans feel underprepared. One financial tool that often gets overlooked—or misunderstood—is the annuity. If you’re seeking annuity education, this comprehensive guide will help you cut through the confusion and determine whether an annuity might play a role in your retirement strategy.
What Is an Annuity?
At its core, an annuity is a financial product designed to provide a stream of income, often during retirement. You purchase an annuity contract—usually from an insurance company—either by making a lump-sum payment or a series of payments. In return, the insurer promises to pay you income either immediately or at a future date. Read More
A record number of Americans now have $1 million or more saved in their 401(k)s—a milestone many dream of when planning for retirement. But despite this achievement, most retirees face a critical challenge: How do you turn your 401(k) into a reliable income stream for life?
Saving for retirement is only half the equation—making your savings last is just as crucial. Many retirees unknowingly expose themselves to risks like market downturns, inflation, and outliving their money. That’s where a Fixed Index Annuity (FIA) can help, providing a guaranteed lifetime income stream and protection against volatility. Read More
Planning for retirement involves choosing the right savings plan, but the differences between 401(k) vs. 403(b) vs. 457 can be confusing. Whether you work in the private sector, a nonprofit, or a government job, understanding the pros and cons of these tax-advantaged accounts is crucial.
This guide provides a detailed 401(k) vs. 403(b) vs. 457 comparison, including investment options, employer matching, annuities, taxes, and contribution limits. If you’re wondering which plan is best for your retirement, this article will help you decide. Read More
Retirement tax planning is essential to ensuring financial security in your golden years. Without proper planning, taxes can eat into your savings, reducing the income you depend on. However, with smart strategies—such as leveraging annuities and life insurance—you can optimize your tax liability while ensuring a steady income stream for the rest of your life.
This guide will explore how to reduce taxes in retirement, maximize your income, and integrate tax-efficient financial tools like annuities and life insurance into your plan. Read More
